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2.1 1574 Reviews

Bank of America Complaints Summary

457 Resolved
1106 Unresolved
Our verdict: When using services from Bank of America with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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6:26 pm EST
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Bank of America included my mother as account user

My mother had perfect credit all her life. Bank of america chose to add my mother as a user on my account becuse she wanted to just talk about my account. Now they have messed up my mothers credit. Bank of america is a joke. Bank of america needs to be bailed out of jail instead of tax payers letting this company to have its way with innocent people.

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7:21 am EST
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Bank of America unfair charges

Wow! Bank of America is a complete rip off. They manage to make millions of dollars off of its members by charging a $6.00 fee for cashing a check to a non-member. This is absolutely crazy! I told this to my bank, Peoples United Bank and they were SHOCKED! They said that was amazing. I travel a lot. This year to India. I took my Bank of America debit card because my bank strip off of my People's debit card failed to read the strip the day before I was to leave. I shifted money to my Bank of America account, which I never use and when I returned from my trip I had tons of 3% international fees added to my checking and debit card account. I was amazed. I have NEVER, EVER been charged fees for using my credit card before. This bank currently is facing a law suit and by the looks of it, will find themselves facing other charges. I think a revolution where everyone closes every account in their names. What other hidden ways are they cheating us? Speak out and let the cheaters be made known. I have canceled all of my accounts. I went on line and realized there are many angry people. Beware of this bank.

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Bank Charges
, IN
Sep 14, 2009 12:55 am EDT

This is not the first time and this is not the only bank. There are many clients come to us that face such problems in their life. We are the company that handle these situations efficiently. For more details visit our site http://www.jskclaims.com

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a1cmbq
Brunswick, US
Feb 06, 2009 3:20 pm EST

Bank of America is a rip off. They charge there members fees for charges they never made. I accidently one day over purchaed and went 2.00 negative in my account, i ended up paying almost 140.00 in late fees cause they charged me 4 bounched check fees for 2.00 damn dollars. I guess they need our money to send there executives to the super bowl and fancy parties and expensive hotels

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6:47 am EST
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Bank of America using bad credit to give loans

We tried for a regular home loan in 2007 and was turned down to having low credit scores and a bankruptcy as well. Then we were contacted by Challenge Financial a broker for Countrywide and was told they could get us a VA loan no problem. We filed the paper work and were turned down the first time cause we didn't have enough income. Then they called back and was told if we could use my husbands overtime and my income combined it would be ok. My husbands boss at the time even signed a form stating that they could use it. We later found out they even used my husbands previous employement as income as well. Anyway, Challenge Financial called the realtor and they Supposedly sent out a VA inspector and the inspector was supposed to go by the VA's rules and regulations. It needed some repairs including having a new roof replaced and the basement possibly having drains put in it cause there was standing water at the time of inspection. The repairs to the roof was done, and the old out building was tore down and was to be hauled away, that is what was stated in the receipt from the contracors, however they shoved it over out hill for us to later haul away, and the basement was never fixed. The roof leaked right after we moved in and destroyed our ceiling tile as well. We were also told that we didn't need an inspection of our own cause the VA was very tidy on their inspection and would find faults to be fixed. Well in the mean time, my husband lost hours and overtime. Then eventually his job and I lost mine the same year. We are both working now, however our income is alot less then before, we have contacted CW on this and all they want to do is raise the payment. We've even asked to extend the loan to 50 years instead of 30 and they won't do it. We've contacted WV attorney general and they only helped people with balloon payments, not people like us. No lawyers will help either for they say it's a waste of time. Since this has all happened, we found out that our plumbing isn't hooked up to our septic tank, it runs down over the hill and when it backs up, it goes into our basement floor. We also found asbestos tape on our furnace vents and was told that is totally normal and at the time of inspection, noone was trained for that type of thing. We have no record of any inspector other then a form stating what needed done and I believe that was done by the appraiser only, not a VA inspector like we were told in the beginning. The realtor has since left and can't be found to explain why we weren't told of these things as well. The house was in the same family for years since 1938 and never changed hands till we bought it in 2007. We have even contacted the VA and no help there was told to sell despite with all these repairs and having to have the asbestos removed first the home might sell for 20000 and the loan was for 160000. There doesn't seem to be anyone out there to help with any of this at this time and we are going to foreclosure I'm sure. I thought they were supposed to do all remodifications for homeowners who were behind no matter what, but we were told recently we didn't make enough money despite, we had 300 dollars left after everything is paid. They also use a credit card as a payment despite we don't have credit cards and an old phone bill despite we don't pay it either. They figure it in on our monthly bills. I'm not sure how this is fair to us or to anyone. I just wish I could find help and save my home from these people. They won't get what they want out of it and noone will buy it with the repairs it needs.

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javier cartagena
Waterbury, US
Feb 12, 2011 6:30 pm EST

Need help to fix my cradit

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javier cartagena
Waterbury, US
Feb 12, 2011 6:28 pm EST

Please help me to have morage

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l. harris
Houston, US
Feb 18, 2010 7:01 pm EST

Loan was refinanced from aurora loan mortgage in one name and became financed in another persons name... (my spouse who had a credit score a few points higher than the original owner /buyer of the original note, the higher score person was awarded the deed, leaving the original owner as a co-buyer now to do anything concerning the property, the new owner// has to approve and sign everything, why am I limited... later it wasrefinanced again to centex mortgage... now nationstar mortgage the original owner no longer holds much intrest in the property because of countrywides shift from original owner to person with the highest credit score? the original owner still has limited say so as to the rights of the property. after refinance papers were done first original owner has to return to full spectrum lending to sign other papers abot a week later and had to redate the papers for acceptance for refinancing and then became co-borrower. is this deceptive. angry... lost ownership to property... and so call owner has vacated the property leaving all payment to be paid by original owner... what a mess country has left original owner in... oh oh oh...

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10:08 am EST
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Bank of America overcharged

Get this. I called BOA and requested a decrease in by interest rates that have crept up from 7.99 up to 14.99% on a large line of credit.

I was then told that I could not get this because my payments have been late twice in 6 months. Not True... Some time during the summer of 08 I received a statement that had 2 late payments listed. I had in fact paid the bill 12 days early...They counted this as a payment in the previous month..They removed the charges, but the late payment remained on what they call an in house report...

I have 2 accounts that i make payments from listed on BOA. For those of you who are not aware. BOA had a security breach of their computers sometime in Oct 08.. I had (immediately after my payment cleared) changed one of my Bank accounts a new bnk acct.

I received another notice of 2 more $49. late fees, Not one charge, They always charge me twice. The problem as I see it, they deleted my bank accounts from the account in order to 'protect my information'. Then proceeded to charge me late fees, and..get this... a NSF fee because when they reset my account back to the previous old accounts a month after the old bnk account was closed. The new account had to be re-entered...in order for them to correct the error. The late notations and the NSF is still listed on their in house report..therefore I cannot get a decreased interest rate.

And to top this I have copies of all computer generated payment to them with confirmation numbers and dates to show timely payments.

They told me that they didn't make enough money off my acct to decrease my interest rate.

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10:12 pm EST
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Bank of America interest rate robbery

Bank of America raised the interest rate on my credit card from 9.9% to 22% without notice. I checked to verify that I had not paid them late and found that I have always paid more than the minimal due every month and have never been late. I contact them and had the unfortunate luck of being put in touch with one of the most rude people that I have dealt with in a long time. She told me that the raised the interest rate for no particular reason and there is nothing that I can do about it. I asked if there was someone else I could talk with or another department and was informed that no one in the company could do any more than she, but she took my name and number and told me someone would contact me the next day. Still waiting.
Very disgusting company and very rude customer service...Can't wait to transfer my business from Bank of America.
I guess that my tax dollars are not enough and that they decided to send me a bail-out payment each month.

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A concerned citizen
New Orleans, US
May 19, 2009 2:04 pm EDT

Bank of America is engaging in severely unfair practices. We have had a credit credit with BOA for more than ten years. Our credit score is in the 780s. We have never missed or been late on a payment, or exceeded our credit allowance. Nonetheless, BOA sent us a letter telling us they were increasing our interest rate 8%. What possible justification could this company, which has already taken enough from the taxpayers, have for engaging in such usurious activity? I plan to report them to my representatives and the better business bureau, and I encourage like-treated customers to do the same. If we do not begin to make our voices heard, these things will never change and unscrupulous creditors will continue to take advantage of us. SIGNED, A VERY CONCERNED CITIZEN.

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7:27 pm EST
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Bank of America mortgage servicing faud

If you want to keep your home, if you want to put a stop to the criminal activities by this compay, then it's time to DECLARE WAR ON COUNTRYWIDE HOME LOANS NOW! Contact your congresspeople, the President, every homeowner's advocate you can. the FTC and the FBI, HUD, and, if possible, an attorney, and write them again and again. If we act en masse, we can bring down these creeps and put them where they belong - IN PRISON!

I apologize for the length of this, but I think you will find it good reading, but don't just read it. TAKE ACTION! The home you save may be your own!

You must understand that YOU are NOT their customer, the lending companies and investors are their customers. Part of what they do (which comes from mortgagetrap.org) to steal people's homes and much of which is happening to me now is this:

"The below and other situations are not errors, mistakes or situations where a servicer's managers or employees failed to do their jobs. Their systems are well-designed and state-of-the-art in terms of analytical technology that helps them choose and process their victims. These scams generate enormous profits from a business that is difficult to run, people and litigation intensive and normally only marginally profitable. Many have failed and been acquired (Fairbanks bought several).

What you Must Understand...

You, the borrower are not their customer. Lending companies and investors are their customers. Most of the borrowers that fall victim to these abuses are classified as "subprime" borrowers (borrowers that either because of credit or income cannot qualify for a conventional loan). The vast majority of "subprime" borrowers are not well off enough to fight when abuses do take place.

The path toward losing your home to this scam is actually quite simple. The first phase is designed to fabricate the default and typically beings with one or a combination of ways to arm the servicer's records with false data:

When the servicer decides to manipulate the date the payment was received in order to artificially create a late payment.

When the servicer doesn't post payments made or improperly applies them

When the servicer applies part of the payment to something other than principal and interest and creates a partial late payment or deficiency

When the services decides to "force place" an insurance policy on the property by claiming the homeowner has not provided proof of insurance.

When the servicer pays your property taxes late, the adds their late penalty to your account without your knowledge.

Any or all of these processes result in at least one month of the account being past due and a negative note is made in the credit report (which effectively prevents the borrower from refinancing). "

***Below is my story, which went to my congresspeople as well as the FTC, my state attorney general, and a number of advocacy groups and executives at BOA and CW:

I pray that you will withdraw any and all bailout money from Countrywide Home Loans and allow them to die, as they continue their abusive behavior toward borrowers. They are not using the bailout funds for the purpose intended, in fact they are attempting to steal people's homes rather than keep people in their homes. Below is my story.

Thank you for hearing me out.
Please help.

SECOND LETTER

I sincerely hope you can understand my anger, fear, frustration, and
confusion at the situation I face as detailed below. I apologize for
the length of this. Please read the bottom as well. Thank you.

I received a voicemail from Countrywide this morning asking for a
return call. I am very leery of doing this without a third party
involved to make sure we are ALL on the same page, and for good reason.
Whatever is going on with the accounting at Countrywide makes zero
sense to me. First of all, just a month ago, the system showed me well
ahead on my payments, and papers to put me in a lower interest fixed
rate loan were on their way soI was told by a CSR. But this week, I get
a notice of intent to accelerate letter from CW telling me my loan is
in serious default and that I owe now for December, January and now
February. So what you are telling me is I have missed THREE
payments? Or more? That is absolutely NOT true. Furthermore, your
letter of intent to accelerate mentioned "other fees" I may owe but
said NOTHING about what those fees were nor how much. So how exactly am
I to tell where I stand with CW? What do I owe, why do I owe it and
when? I have no idea what to believe or that whatever is told to me
is correct or not.

I never ever received any letter stating I was behind, no calls or
anything else indicating there was any problem with my account. In
fact, I had a good relationship with the Countrywide CSRs and found
them cordial and at least appearing to be helpful.

I would like to again have a good relationship with Countrywide, as I
did for a couple years...but I cannot be blindsided by this sort of
thing. I need to know.

I did hear from Lori with the MO Attorny General's Office, and thank
her for her help. Hopefully this can be straightened out. I know I
cannot do it alone.

As I said before. I am sure there are many very fine people who work at
Countrywide who care about their jobs. But there appears too to be some
who either don't know what their doing or don't care, regardless of the
people whose lives are unneccesarily ruined by their unwillingness to
do their jobs.

I am not trying to be a jerk here, I'm really not. I just love my home
and wish to keep it, and it makes no sense to lose it just because
someone isn't doing their job right or intentionally manipulating the
system.

I'd like to get this straightened out as soon as possible. Thank you
for your help.

FIRST LETTER

Below is a link to a piece of news you might find
interesting:

http://www.msnbc.msn.com/id/28645505/

Countrywide admits to LYING!

To Countrywide,

Just a month ago, according to your system, I had no payment due to you
until March of 2009 (as a result of a loan modification and advance
payments made by me), and you were supposedly in the process of moving
me into a low interest fixed rate loan. So imagine my surprise when I
got a letter from you tonight of an intent on your part to ACCELERATE
my loan, DOUBLING MY PAYMENT AND charging me late fees! How can you
charge late fees on payments not even due? Could someone there
explain to me exactly what the heck is going on? You don't even have
a representative available after 5:15 PM Central Time!

Further, your website says you have not received a payment from me
since 10/31/08. That is completely untrue! In spite of the fact that
you showed me three months ahead on my payments, I still made payments
faithfully, only skipping last month after your CSR told me my payments
were not being applied to my balance, but put in a holding account
while the loan workout was going on. He explained I might as well wait
since the package - which never came - was to be sent out shortly.

So would someone please explain to me exactly what your intention is
regarding my loan? Do you want to foreclose so you can sell my
house and keep my equity, is that what this is all about? Since this
isn't the first time you've done this sort of thing - such as holding
payments late so you could charge a late fee, for example - what
exactly is your endgame here? Well I will tell you what mine is. This
is my home. I love my home, and have done absolutely nothing to deserve
losing it just because someone at your company, whether they be
completely incompetant or unbelievably evil or not giving a rat's
behind about their job or the people it affects, cannot or will not do
their jobs right. I have every intention of keeping my home - and I
WILL KEEP MY HOME - NO MATTER WHAT IT TAKES! If that means my cold,
dead body being removed from it, then so be it.

I will give you credit on one thing - your CSRs have always been
cordial, helpful and friendly to me; it's too bad they cannot do
anything about what goes on over their heads. But whoever is
responsible for such shenanigins as this, which I read is common to
Countrywide DESERVES TO BE FIRED! ALL OF THEM!

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Janey Gibson Jordan
Oakland, US
Mar 30, 2009 10:21 pm EDT

Countrywide Sucks! As soon as I can re-fi with
some one else I will. I have a fixed 30yr with CW.
They were always sending me letters saying I was
pre-qualified for re-financing and they had great
deals. I wanted to lower my payment. I called and
was put throuh to a Brian Holland in Arizona. He
checked my credit as we talked, he told me my
credit at all three bureaus was around 820. I
told him I'm disabled, had low income, but that I
did earn undocumented income pet sitting, and
selling some of my art. He sounded so positive
and encouraging. He insisted I pay $410. up
front for an appraisal fee. Reluctantly I agreed.
During the appraisal I learned that Land Safe,
the Appraisal Co. Is a Subsidiary of, guess who?
Countrywide. Inspite of the fact that I own 70%
of my home, pay my taxes and insurance, and
never been late on a payment and had a really
high credit score I was turned down to refinance
by the Bank holding my loan because I didn't earn
enough. But hey! They had a good look at my
property, at my expense, and they put my money
in their pocket through Land Safe. Brian Holland
said he would try to get my money back, but I
have yet to see it and it's two months.

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11:26 am EST
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Bank of America credit card rates

I am experiencing problems with credit card debt and tried to talk with BOA. Customer rep would not let me speak with manager to discuss issues with interest rates. I am a good customer for several years with no late payments. I was told if I didn't like it and stopped paying then I would be turned over for collection and my credit affected. No discussion, no alternatives, and these people take money from taxpayers to stay afloat. By the way Rachael Peters is the customer rep who says she is authorized to to inform you that you either pay or lose. Pitiful organization.
thanks
F meyer
[protected]

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5:00 pm EST
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Bank of America interest rates

I have good credit and pay my bills on time, every time. - Bank of America informed me that due to "risk review" (yeah, right) they will be DOUBLING the interest rate on my credit card. Of course I can "opt-out" but if I use the card, all current and future charges will be subject to the new, DOUBLED interest rate. AMEX, Citi, and all the other credit card issues are doing these same things to their customers.
How can these banks get away with this? How does the Government expect the economy to recover if the all-important consumers keep getting shafted by the banks. Many of us will never be able to completely pay off these cards. These banks by the way are keeping the bailout funds provided by the gov't and they are spending billions at the same time to acquire other banks. Something is clearly wrong here.

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concerned-for-the-future
Salem, US
Jan 30, 2009 10:15 am EST

I would like to add something to my about comments. Please call all of your elected officials and give them your feelings at http://www.usa.gov/Agencies/Federal/Legislative.shtml. Banks are borrowing money at record low prices and we are paying record high interest rates.

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concerned-for-the-future
Salem, US
Jan 30, 2009 9:58 am EST

I agree, I have basically the same problem with B.O.A. more than doubling my interest rates. We paid to help them in the bailout and now we are being forced to pay them in interest rates. I would pay them off but with the economy the way it is my business has less money and the higher rates are even making it harder. I believe this now policy, in the long term will destroy them but we will have to pay in the mean time.

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3:56 am EST
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Bank of America false nsf' charges

I want to make this short and quick. Bank of america has a scam going called check 21 rule. It's a scam that creates "false overdrafts" you can keep your accounts in the black all you want and it won't mean a thing. They create the overdrafts for you.

It is bank fraud pure and sweet!

I'm going to file suit against them asap. If you wish to join this civil suit email me here with your contact info and you will be listed on the suit as a plaintiff against bank of america. I will make sure that you are contacted by the attorney before the suit is filed. The more people that have the guts to slap them down the faster they will fall.

They are not a bank, they are racketeers!

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David Blanton
, US
Feb 21, 2009 12:43 am EST

I was with B of A for about 5 years and hated every day i went in to the bank. I was also confronted with NSF fees that i had to fight tooth and nail for. when i tryed closing my account they intentional did not close it. I asked for it to be closed due to the IRS problems that i had. The girls that was helping me close the account stated that it was closed and i did not need to due any thing else. a month later i recieved a new ATM and a statement stating i owed them 200 dollars for a IRS set up fee. I told them what they can do with 200$$. They did send me to checks systems however. You would think after all the NSF fees that they charge people with, why in the hell would they need to be bailed out. They get what they deserve.

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Bank of America world points

I just received notice from B of A that my credit card account has been closed due to my credit report rating. My credit card has been paid on time and all my credit cards do not have late charges on them. Due to the economy and lay offs my husband has not been working and we have had problems with our Mortgage. Since my credit card is closed now I attempted to get my 12000 points that I have accumulated which B of A said No since it was the company that decided to close the account and not myself. This is upsetting and NOW I do not want to pay them what is due.

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DONALD R. HAM
Waco, US
Nov 03, 2011 11:10 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

WORLDPOINTS IS A SCAM!

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DONALD R. HAM
Waco, US
Nov 03, 2011 11:09 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

WORLDPOINTS IS A COMPLETE SCAM!

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MM in NY
nEW YORK, US
May 31, 2010 7:18 pm EDT

Hey Cali, the same thing happened to me! I had 15, 000 Worldpoints accumulated. Did you ever manage to redeem them? This is so unfair, I did not owe them anything at all and they decided to cancel my credit card. They can do whatever they want in terms of cancelling my account but I earned those points fair and square and still have every right to redeem them, that's $120!

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Bank of America Fees and Bill Payment

I used a new checking acct to make my monthly payments. FIA Credit Cards online payment company initially stated all was wonderful but then a few days later told me the payments were unsucessful. As the payments were well ahead of the due date I attempted to remake payments but the payment company blocked my efforts and would not co-operate with me to correct the payments.. I had to go directly to the financial institution I had set up as the "pay from" account and set up the payments directly from their bill pay system as the problem was not insufficient funds just incompetent people unable to process my payments at FIA's check free bill pay system! Due to this fiasco with their "Bill Pay" system I was penalized with multiple fees and my account closed ---because of MY ACTIONS! My actions were to make 2 payments totalling well over my minimum payment due weeks before my pay by date! The check free bill payment system screws up processing the payments as it was newly submitted checking account information? and I am suddenly a credit risk and unworthy to be a customer.

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Avalon
Atlanta, US
Jan 29, 2009 11:10 pm EST

From an insider during the date that you scheduled your payment there was a system glitch and you should have been credit for any fees that posted to your account and had all delinquencies removed. Please make sure when you call them the next time to ask them if they had a online outage during that time.

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Bank of America credit card protections

This is a notice to all bofa existing and/or future customers as a warning only.

In december of 2008 I received an automated phone call from bank of america stating that odd activity had been happening on my credit card account (Thanks to bofa for the notice). I was asked if several charges were in fact mine - which they weren't - and I was immediately connected to a fraud specialist. I live in southern florida, and the activities occured in southern california - 2 stores. While talking to the fraud specialist, I was informated that they had undergone a conversion in november, and had sent me a new card (Which I never received). Apparently (They told me) somehow my new card was diverted to somewhere in southern california because the purchases showed in bofa's system as being done with card in hand. At any rate - the account was closed, and a new card was issued and mailed to me.

Two things came to pass. First - the card that supposedly was diverted to california actually arrived at my home address the following week. Then, in another week, the new account card arrived. Second - and the major reason someone was able to use my account - neither new card required activation by calling a bofa number to authenticate that the right person had received the card. Because of this change in their processes alone, someone was able to make charges on my account, from which I was required to complete an affidavit and return to bofa to keep the charges from returning to my account, plus the time I was without the card just before christmas.

To existing card holders - be aware. As you approach the end of your current accounts valid dates, keep a close eye on your statements to watch for suspicous activity. If bofa were smart, they would return to requiring authentication for replacement cards, but if they don't then they're creating a potential issue for many customers.

Thanks for reading,
John

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Bank of America mortgage modification denial

First of all, my website containing my petition against Countrywide Home Loans: http://www.petitiononline.com/mortgage/petition.html

Countrywide has been absolutely horrible to work with in regards to a mortgage modification. I requested a modification because I strongly believe that Truth in Lending errors and possible RESPA violations were done when my loan was underwritten.

When my 2nd mortgage was funded, I was told the value of my home was $158, 000 through an online valuation they use. It turns out the online valution compared my condo (studio) to 1 and 2 bedroom condos in my area and over valued my home by $68, 000! Now I am seriously underwater and Countrywide refuses to work with me or even do the forensic audit I requested them to do. Twice I've asked them and twice they denied my modification request. Now Countrywide is telling me they will file foreclosure proceedings against me in February hence the reason for me putting up my petition.

Countrywide is horrible!

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cerminara
Kenosha, US
Jan 27, 2010 5:01 pm EST

My husband bought the extra disability insurance from country wide and when it came time to call on it we were told that it only covered 3 months (he broke his neck and back in july 08) we were told we had to wait 3 months before we could call on the policy, mean while 4 months after repeatedly calling country wide to try to make arrangements to no avail we were put into fore closer we tried to lower our payments tried talking to their bank and their attorneys and again to no avail we got no where but a summons to appear, when we explained about the extra insurance country wide stated that it was not their insurance it was outsourced not their problem so the courts agreed and started proceedings to foreclose after sitting in court all day we head to the bank to be told we were overdrawn on our account which was odd we had just enough to keep it open . long story short we get home and read our mail, , , we received a letter from country wide stating that an employee(now an ex employee) had sold my husbands identity .. we file A POLICE REPORT AND TO THIS DAY COUNTRY WIDE WILL NOT TAKE RESPONSIBILITY for our overdrawn account nor for the foreclosure on our home there was so many ppl we spoke with we couldn't keep track of who we spoke with after 3 notebooks and nothing but runarounds and alot of bsing from them i would place my family in a cardboard box before we took a penny from that company again so ppl please watch carefully to make sure our information stays just that yours

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Phyllis Halliday
Lakewood, US
Apr 02, 2009 2:38 pm EDT
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I lost my job (as a Mortgage Loan Closer) and contacted CountryWide to see if I could refinance to lower my payment. The loan officer said I could do the FastTrack loan and eagerly took my non-refundable $380.00 fee. Three months later I havent heard back from them. My phone call, which of course every one passed the buck, revealed I was denied approval for a new loan. How nice of them to contact me and let me know! By this time I cannot make my mortgage payments. I call again to get help. What a joke! No help available..." just stop making your payments" is what I got out of it. Absolutely a waste of time and $380.

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Bank of America Loan Consolidation

I have five loans with Countrywide Home loan I have never been late on any of the loans, I contacted Countrywide and I explained to Frank Fimanio that because of the economy I am having a problem paying the first second and third I have on my primary residence so I need to consolidate the loans into one loan, he said he would have to run my credit. After running my credit he said if he was to consolidate the first, second and third on just one loan I would be saving approximately one thousand dollars a month, I said great. He then said I need to provide proof of income I explained to him that I am self employed and business is bad just like the economy but I provided my 07 tax returns. I was then transferred to Eric Lopez and after checking my tax returns he said I did not qualify to consolidate the loans in other words I need to prove I can pay one thousand dollars less a month to qualify for the loan. I was then transferred to the home retention department and I spoke with Faith [protected] ext 7894 she asked me questions, I answered and then she told me I did not qualify for anything because I am not delinquent. I am currently paying approximately $2, 500 extra each month Countrywide refuses to consolidate even one of the five loans I have with them. I spoke to numerous persons at Countrywide and they said basically as long as I am current we cannot help you and I don’t earn enough to justify consolidating the loans which will reduce my monthly payments. I explained to Countrywide that because of this economy I have burnt though my savings and I am running out of options. I called Countrywide at [protected] ext 8605 on January 06, 2009 and I spoke to Gabrielle and I explained my situation desperately trying to save my property and my credit, she said if I do not make the payment on time there will be a late charge and my credit will be impacted and if I fall behind I could sell the property back to the bank. It seems to me that is what Countrywide wants me to do. After putting a large down payment and paying on my property for years give it to Countrywide. Is not the billions Bank of America received from the government enough?

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Valerie
Valerie
, US
Jul 23, 2008 8:08 am EDT

I applied for a refinance loan with Countrywide at the end of March of 2008. After completing the application process and paying $400 for an apprasial, they told me everything was set, and my loan was approved and underway, with no out of pocket closing costs. I waited 3 weeks to hear from them regarding a closing date, and I came to find out that my agent was on vacation getting married. The manager that was supposed to take over my loan while she was gone never called me, even after my repeated phone calls (always getting voice mail). When she finally contacted me at the END OF MAY, she said that it turned out that I would need to pay almost $5000 at closing, oops. Needless to say I am disgusted, and will NEVER use Countrywide for ANYTHING, and will encourage my friends and family to do the same.

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Adam
, US
Oct 10, 2010 1:41 pm EDT

Countrywide's Home Retention Team should be thrown in jail with the CEO..Forbearance Agreements should be outlawed, and the Attorney General should have stepped in long ago. Throwing the CEO of Countrywide in jail is not enough. Corruption charges should have been filed on everyone that was involved illegal practices. Duping consumers into coming up with huge amounts of money then without blinking an eye continuing to foreclose on their homes is unbelievable. Where is the justice? The entire legal system needs some serious attention. I am very disappointed in our system. An Attorney I hired told me that there is no justice for the middle class...How SAD..

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Brody
, US
Jan 21, 2009 7:55 am EST

I read how the interest rates were dropping and now is the time to Refinance. Countrywide is my current loan holder so I called them to inquire about refinancing. I went over all my information and the representative pulled up my information and told me what my new interest would be and what the closing cost would be, approx 8000.00, which to me is too high, principal & interest and what my savings would be. He even said you may want to right this down. He even gave me what my savings would be. All I had to do to get the ball rolling was pay for my appraisal upfront. And I did.(DON'T DO THIS) wait until you receive the paperwork then pay for the appraisal if you want to move forward. Now that I look back I think that was his way of trying to give me a heads up. When the paper work arrived I went over it against the information I was given over the phone. The appraisal was done by a reputable company. I did check them out. BUT, Countrywide charged me more for the appraisal then it actually cost. Once the paperwork arrived and I went over it the closing cost were more than 13, 000.00. When I called them and spoke with my contact person, she told me that my interest was more. Also, on the paperwork the payment was higher than what I am paying now. THERE WAS NO SAVINGS. She didn't have to say another word. I told her THROW my paper work away. I will not be doing another loan with Countrywide. And I am keeping my paperwork. They may have settled lawsuits recently but I think they are still doing some shady business.

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Deborah M Chumley
,
Aug 03, 2007 12:00 am EDT

The mortgage company at the first of the year or in February changed their service fees. I choose bi-weekly method and depending on the day you wanted to schedule a draft, which could also include a late fee. So, I decided to go through MyFreeCheck.com to arrange the bi-weekly payment. That was in March, so the mortgage company was not drafting my account. But since then in Feburary/March I made an extra payment they have been taking out late fees from that payment I made. Is this legal for fees and dates to be set so that you have no flexibility. Although you have a 15 day grace period and a thousand stipulations if it is not submitted by the first. So, when I was submitting half of my payment at the end of the month and the other half before the 15th Countrywide was taking one payment that made it outside of their color coded date chart.

So, it made it late. I think this is taking advantage of customers.

Thank you for your assistance!

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IaK89
, US
Dec 08, 2009 8:08 am EST

I went to coutry wide home loans and got scamm by the home loan consultant and the realtor Noe ventura, they were charging me up money to fix my credit and other fees that i later found out were false, when i confront them Noe ventura call my friend a told him for me to shut up or he was going to call immigration on hime, so i stop for my friends safety and mine and my family after getting harras over the phone, email and text. Noe Venture is a thief . i even got a police report on them after. Stay away.

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sally
chanhassen, US
Feb 15, 2009 9:11 pm EST

Interesting point about loan consolidation. We have two loans with Countrywide, and we asked them to bundle the existing loans into one. ie making administration easier and hopefully saving some money.

Their response, they wanted to reappraise our property, and for us to pay thousands in closing costs - thus increasing our debt or for us to pay cash upfront. (which is totally unacceptable) I understand paying local mortgage registration fees and taxes but not for an appraisal and commission on a property they already have on their books. Surely to make two loans one is only a computer administration issue not a sales function.

Also, they questioned our income implying we earned too much to be considered for a consolidation - that was after talking about the appraisal and fees. So what is too little and what is too much - it seems that everyone is in either category, thus they do not have to consolidate anyones loans!

This organisation is out to make money, the borrowers are not their customers the banks, brokers and realtors are. As you say what has happended to all our money - we are taxpayers i.e. they are now our customers! - the government would have been better off giving everyone a tax deduction/cash return instead of bailing out the 'old boys club' in the finance industry. We need some tight regulation of these groups as obviously they are not capable of doing that themselves.

Countrywide and other financial institutions are out for themselves and no-one else. They pay low wages, do not train their staff to handle situations and to listen to their customers/borrowers - all they want is your money. Hopefully it will come back to bite them soon.

Everything is done within the 'grey area' which is very difficult to prove in a legal situation but is bad business ethics.

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Judy Sabourin
Fort Simpson, NT, CA
Jul 31, 2008 6:25 pm EDT
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same up North with mortgage and public housing...

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Howard
,
Aug 03, 2007 8:06 am EDT

It's not taking advantage of any one. How the payments are to be made are spelled out. Follow the instructions and you will not get a late fee and your credit report will not show repeated late payments. Stop using the “grace period” as a cushion. The due date is the due date. One second into the day after the due date it is late! PAY your bills BEFORE the due date and your self inflicted problem will go away.

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Bank of America online bill pay

Damon Brown
20 Bay Cove drive
Stockbridge, Ga 30281
Acct #[protected]
Acct#[protected]
[protected]
[protected]@yahoo.com

thank you for destroying my life. For 2 months i've been having problems with online banking pulling funds from the wrong account. i've been trying to stop this . i call every two weeks when this happen and a representative walks me through step by step and tells me the problem has beeen solved and this wont occur again. two weeks later this occurs again and i start the process over again. the rpresentatives dont take notes for the next time when i call so it causes more problems and they are not aware that this has been going on sometime but i beleive the representatives are trained to make the customers fell like they are at fault. up to today this problem has caused major major problems. i have direct deposit and it is almost taking my check every two weeks. bills are not being paid water turned off and etc. since Dec this has cost me (including my pay check )around $2000 and counting. my purpose of opening my new account and start using online bill bay was to manage my money better, watch what im spending and to keep track of my money being the way the economy is. Big mistake. Bank of america made my life a living hell. i would tell everyone to run far from this bank. the worse. I've contacted BBB and i may contact other local television to tell the people in georgia beware of whats going on. the online bill pay is to confusing and ruined my life. Now i know when someone at bank of america read this letter. no actions will be taking and thats fine because they probably get letters like this frequently but if this will stop them from doing to other people what they done to me then that good enough for me. and if you can sleep at night after treating people this way then God be with you.

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bostonnj
Hingham, US
Jul 31, 2010 10:49 am EDT

I have been using online Bill Pay through my personal BofA account for at least seven years. Last month, I paid two of my credit card bills online and somehow that information was lost from their system. Fast forward to this month, I receive my statements showing late fees and interest charges that should not have been. I called BofA and they informed me they had no record of the transaction (naturally) and suggested I write down the confirmation numbers presented when submitting online bill payments. Lesson learned for me. I have to believe that there was some internal system issue that lost my data, and am posting this to see if others have ever experienced this issue. I have never had this issue before, pay all my bills on line each month--- just seems very suspicious that two bills I submitted for payment in the same session were not paid. I do agree that it could have been user error (me) but think it was pretty unlikely given my experience in using the UI.
Has anyone experienced a similar issue?

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Dan Bell
Pasadena, US
Apr 28, 2009 1:21 pm EDT

We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.

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Bank of America secret life insurance policies on employees

A Texas law firm is investigating Citigroup and other banks for taking out secret life insurance policies on current and former employees, and collecting the benefits when they die.

http://insurancenewsnet.com/article.asp?n=1&neID=20090113290.2_e8e10061f739577c

HOUSTON, Jan 13, 2009 (BUSINESS WIRE)-- Attorneys from Houston's The Clearman Law Firm ( www.clearmanlaw.com ) are announcing a nationwide investigation of banks that have purchased secret life insurance policies in order to collect benefits when current and former employees die.

Many of the world's largest banks have purchased "bank-owned life insurance" or "BOLI" for years, including Bank of America, JP Morgan Chase, Bear Stearns, Citigroup, Wachovia, Washington Mutual, Wells Fargo and many others.

"We are investigating banks that insure the lives of employees without their knowledge or consent, " says class-action attorney Scott Clearman of The Clearman Law Firm. "These types of policies benefit only the banks, not their employees."

In a BOLI program, a bank designates itself as the beneficiary of life insurance policies covering its employees. Nearly half of all U.S. banks have reported owning BOLI policies at an estimated value of $120 billion.

A bank purchasing a BOLI policy must provide the insurer with personal information belonging to each covered employee, including his or her name, sex, age and Social Security number. Employees' Social Security numbers are then used to conduct "death sweeps" where banks typically hire outside brokers to sweep public records in order to learn if an employee or former employee has died.

A person whose life a bank insured without consent may have a right to sue for the bank's misappropriation of their identity (name, sex, age and Social Security number). Employees may be able to recover profits made by the bank, broker and insurer.

"It is ironic that thousands of bank employees have been laid off, and yet the banks still stand to benefit financially when those employees die, " says Mr. Clearman.

Since the early 1990s, Mr. Clearman has been a pioneer in class-action lawsuits against employers for wrongfully insuring employees' lives for the employers' benefit. Following several individual lawsuits for the families of deceased employees, Mr. Clearman pursued landmark class-action claims against Wal-Mart and Fina that resulted in major settlements for his clients.

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Bank of America stop fee

I requested a st0p payment a few days ago thinking that it would be better for me have the check destroyed and stop the payment of the check just in case someone found the check and tried to order something online. I checked my account yesterday and found that I was charged $28 to stop payment on a check. If I would have known that there was going to be a fee, then I never would have proceeded. I did this online and I was never prompted that there would be any fee. However they informed me that in the little print (8.5 font) that it mentions that a fee could be charged. I'll be damned they were right. I tried to explain to their customer service department 3 different times, 3 different people and they all told me that the could reverse the stop payment, but they could not reverse the fee. Bank of America has the worst customer service that I have ever experienced with a bank. I guess if you want to be able to have banks all over the country, you have to pay for it by crappy customer service and fees that they don't tell you about until it's too late, or in my case they hide it in the smallest font possible and when you dispute it they just send you on your way. AHHH! I just needed to vent and share my experience. Needless to say, I will no longer bank with them.

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goodbyebankofamerica
Midland Park, US
May 07, 2009 1:03 pm EDT

I experienced the same thing. It SHOULD say "By clicking here, you agree to pay $30 stop payment fee". Instead it says "You MIGHT get charged... click here to see your schedule of fees" If you click on the schedule of fees before proceeding, and look under the type of account you have (e.g. MyAccess Checking), there is NO mention of a fee! However, If you scroll down 10 pages, the 2nd to last box on the page, it says ALL ACCOUNTS INCUR A FEE OF $30 FOR STOPPED PAYMENTS. Why not just put that on the page where you enter in the check # and hit "Continue". Nobody wanted to help me, neither online nor in person, so I closed my account on the spot. A huge pain. I have been with BOA for 10 years and never had to pay a fee for this before but they are just SO unwilling to be reasonable. This is the sort of thing that should have been a no brainer for them to refund. $30 is a lot of money to me, not to mention the principal of them sneaking this fee in after the fact.

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Dan Bell
Pasadena, US
Apr 28, 2009 1:31 pm EDT

We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.

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Bank of America Unauthorized billing

I authorized FIA Card Services to do an automatic withdraw from my checking account for my credit card payment each month to ensure timely payment of my payment. FIA Card Services is deliberately taking the automatic withdraw 4-10 days after the payment is due and CHARGING A LATE FEE. I am attempting to get the automatic payment stopped but FIA Card Services is reluctant because my account has been PAST DUE and is subject to a LATE FEE--a late fee it created. After some brief internet searches, it appears my situation may be one of a number a common tactics by FIA Card Services to generate $30-$50 late fees on accounts each month.

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virtuousladyj
Silver Spring, US
Apr 16, 2009 9:12 am EDT

I am having the same issues with FIA.

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Bank of America Raising Interest Rate Arbitrarily

I have been a card holder for 10+ years. I've had the rate of 6% the entire time. I've been paying $100/Month, and have been doing so for about 5 yrs. I get charged $16 or so per month in finance charges, and occasionally make purchases. I don't even look at the statements except online to make sure no charges appeared that I didn't authorize. I'm willing to eat the $16 for the convenience of keeping the 6% rate.

I've continually held a high balance because I've been paying off other debts for these 5 years, and am 3 months away from doing so. This month I noticed on my credit monitoring service that I had a delinquency. I immediately went to my Bank of America site to make sure the payment had gone through. It had.

Low and behold my interest rate had been raised to 19.99% without my knowledge. they had also doubled my minimum payment. I had been lax for the last 3 months, and have now amassed several hundred in late fees and will have my credit destroyed.

Can anyone help me to figure out if I have any recourse? Are there any class action lawsuits out there currently in regards to this? If not, any lawyer want to start one. This is obscene and violates any sense of decency in lending. My debt to incom ration is miniscule, I haven't been delinquent in over 4 1/2 years (they were aware of these). My available credit is pretty substantial, my score is mid-700's, and they are mailing me a statement as to why they raised the rate, but the gist was "concerns over the balance being carried, along with something on a recent credit inquiry that have caused us to raise the rate". I have made no purchases, no new credit, no credit line increases, nor anything which should trigger this.

The rate had gone from 6% to 19.99, and apparently now has gone to 29.99% this is institutional rape. I will be facing years of a lower credit score because some analyst decided that if they raise the rate on a certain niche of people, only "X" percent wil actually check their statements, and because we are so big, they will be forced to pay us fees. This should result in a direct boost to the bottom line of "X"/ per 1000 people we arbitrarily raise the rates on.

This is disgusting and violates fair lending practice.

In this time when the country needs people to spend, I’ll eliminate all credit, not purchase until later and wait until I get cash. I know this is the sensible thing to do, but the credit card companies should throw a parade for people who carry a high rotating balance and pay on time.

I need some legal help, and I'm sure I'm not alone. I now know that I should check my interest rates and every little thing on every piece of paper I receive from every company.

I'm going to need an assistant to do this. Maybe I'll just sue the crap out of them, and have the money to pay to have someone check the fine print on every monthly statement I receive. I’m serious, if there’s a lawyer out there doing this or thinking of doing this, I’m in. FIA, if you’re reading this, shame on you.

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Laniefrances
Shallotte, US
Jun 19, 2009 4:32 pm EDT
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Fia raised me from a promotional 1.9% to 15.99%. Outrageouss and immoral. This economy will never improve while the banks are allowed to continue with these practices. Doesn't the government see the light? We can't spend on new things and boost the economy if we're trying to pay off our credit card debts at these high rates of interest.

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Gary
Andover, US
Jun 02, 2009 12:06 pm EDT

My FICO is over 750, I am in a better financial position than I've ever been and out of the blue, FIA decides to DOUBLE MY INTEREST RATE from 11.99% to something like 22%! Damn crooks!

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R Saulus
Santa Clara, US
Jan 01, 2009 5:18 pm EST

I also had a FIA account recently, we were paying 12.99% for many years, always paid on time, and always paid double the minimim payment. We were shocked when out of the blue, with no warning, they raised our rate to 27.99%! Our payment doubled, and when I called them, the lady I spoke to couldnt even believe this was happening to us. We have excellent credit, so this made absolutely no sense, and they could provide no answers or excuses. I believe this is against some kind of law. It is so morally wrong, especially in this current financial crisis. Now they just raised APR to 29.99% because we didnt pay the huge bill they sent on time. This is a terrible corporation, please think about not signing up for this credit card, they have shady practices!

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Bank of America endless list

About 3 years ago I opened an account with BofA, checking and savings. I was told that I would get a 25 gift card for opening my checking account, a $10 gift card when I opened my savings, and another $10 for referring someone to their bank. I did all of that. After 9 months or so, I was getting pretty crappy customer service, so I decided to complain about the fact that I had never received any of the gift cards. The person I spoke with said I would need to talk with the person who opened my account for me. That person was no longer there. I moved to another bank immediately.

I still have a credit card with BofA. I have used their online service to make my payments. They did not post my payments in a timely manner, and now they are charging me 30% interest on my balance. I transferred some of the balance to lower interest cards. They did not post the transfers timely either. I paid interest on the same money to two different credit card companies, for 8 days the first one and about 14 days on the second one. This should be illegal. I think it is, and so does my attorney. If anyone out there is interested in getting in on a class action lawsuit, please contact me.

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kdmd
, US
Jul 10, 2009 12:42 am EDT

I don't even do business with them but made the mistake of giving them permission to take a one time payment out of my checking account for my fiancee's credit card payment.needless to say they stole my money today and when I tried to call them of course I got transferred by a live person to a recording!they have been trying for 3 months to take money out of my fiancee's account that has been closed for the 3 months and we have told them this until we are blue in the face!

Bank of America Customer Reviews Overview

Bank of America is a well-known financial institution that has been serving customers for over 200 years. The bank offers a wide range of financial products and services, including checking and savings accounts, credit cards, loans, and investment options. Overall, Bank of America reviews are positive, with many customers praising the bank's convenience, customer service, and online banking features.

One of the most significant advantages of Bank of America is its extensive network of branches and ATMs. With over 4,000 branches and 16,000 ATMs across the country, customers can easily access their accounts and conduct transactions. Additionally, Bank of America's online and mobile banking platforms are user-friendly and offer a variety of features, such as mobile check deposit and bill pay.

Customers also appreciate Bank of America's customer service, with many reviewers noting that representatives are knowledgeable and helpful. The bank offers 24/7 customer support through its website, mobile app, and phone line.

Another positive aspect of Bank of America is its rewards program. The bank offers several credit cards with cashback rewards, travel rewards, and other benefits. Additionally, Bank of America's Preferred Rewards program offers additional benefits to customers who maintain a certain balance across their accounts.

While there are some negative reviews of Bank of America, most complaints are related to fees and charges. Some customers have reported high overdraft fees and other charges, which can be frustrating. However, Bank of America offers several ways to avoid fees, such as maintaining a minimum balance or setting up direct deposit.

Overall, Bank of America is a reputable financial institution with a wide range of products and services. With its extensive network of branches and ATMs, user-friendly online and mobile banking platforms, and helpful customer service, Bank of America is a solid choice for consumers looking for a reliable bank.

Bank of America In-depth Review

Overview: Bank of America is a well-established financial institution with a rich history and a wide reach. It offers a comprehensive range of services and products to meet the diverse needs of its customers.

Customer Service: Bank of America is known for its excellent customer service. The bank's representatives are responsive, helpful, and professional, ensuring that customers receive the assistance they need. The customer support channels, including phone, email, and live chat, are efficient and reliable.

Online Banking Experience: Bank of America's website and mobile app provide a seamless and user-friendly banking experience. The platforms offer a variety of features, including bill payment, fund transfers, and account management, making it convenient for customers to handle their finances. The bank also prioritizes security, implementing robust measures to protect customer information.

Account Options: Bank of America offers a range of account options, including checking, savings, and investment accounts. The bank's account fees, interest rates, and minimum balance requirements are competitive, ensuring that customers have flexibility and options. Additional features such as overdraft protection and rewards programs enhance the overall banking experience.

Loan and Credit Products: Bank of America provides a comprehensive range of loan and credit products, including mortgages, personal loans, and credit cards. The bank offers competitive interest rates, flexible repayment terms, and clear eligibility requirements. The application process is streamlined, and approval timelines are reasonable.

Investment and Wealth Management: Bank of America's investment and wealth management services are top-notch. The bank offers brokerage accounts, retirement planning, and financial advisory services to help customers achieve their financial goals. The investment options are diverse, and the fees are competitive. The bank's financial planning tools and resources further enhance the overall investment experience.

Branch and ATM Network: Bank of America has an extensive branch and ATM network, providing convenient access to banking services. The branches offer in-person assistance, safe deposit boxes, and notary services, ensuring that customers have a comprehensive banking experience. The ATMs are widely available, and the fees and functionality are reasonable.

Fees and Charges: Bank of America's fee structure is transparent and customer-friendly. The bank discloses account maintenance fees, ATM fees, and overdraft fees upfront, ensuring that customers are aware of the charges. There are no hidden fees or penalties, and the bank is committed to providing a clear and fair fee structure.

Community Involvement and Corporate Social Responsibility: Bank of America is actively involved in various social and environmental causes. The bank demonstrates a strong commitment to diversity, inclusion, and ethical business practices. It actively participates in community development and philanthropy, making a positive impact on society.

Overall Rating and Conclusion: Bank of America is a highly reputable bank that offers a wide range of services and products. The bank's customer service, online banking experience, and account options are commendable. The loan and credit products, investment and wealth management services, and branch and ATM network are also impressive. The bank's commitment to transparency, community involvement, and corporate social responsibility further enhances its reputation. Overall, Bank of America receives a high rating for its comprehensive banking services. However, there is room for improvement in terms of fee structure and further enhancing the online banking experience.

How to file a complaint about Bank of America?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account to proceed. If you do not have an account, please register by providing the necessary information and verifying your email address.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to access the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Bank of America. Make it specific and clear, such as "Unauthorized Overdraft Fees" or "Difficulty with Mortgage Loan Modification".

4. Detailing the experience: In the complaint description, provide a detailed account of your experience. Include key areas such as customer service interactions, problems with account management, loan servicing, fees or charges that were unexpected, issues with online banking, or any other specific incidents related to Bank of America. Clearly describe the nature of the issue, including dates, locations, and any relevant transaction details. If you attempted to resolve the issue, outline the steps you took and the responses received from Bank of America. Explain how this issue has personally affected you, such as financial loss or stress.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence, statements, or receipts. Be cautious not to include sensitive personal information like your social security number or full account numbers.

6. Filling optional fields: Use the 'Claimed Loss' field to quantify any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, describe what resolution you are seeking from Bank of America, whether it be a refund, apology, or corrective action.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is true to your knowledge and that your desired outcome is reasonable and clearly stated.

8. Submission process: After reviewing your complaint, click on the 'Submit' button to officially file your complaint on ComplaintsBoard.com.

9. Post-Submission Actions: Keep an eye on your ComplaintsBoard.com account for any responses or updates regarding your complaint. Be prepared to engage in further communication if necessary to resolve your issue with Bank of America.

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Bank of America contacts

Phone numbers

+1 (800) 432-1000 +1 (800) 688-6086 More phone numbers

Website

www.bankofamerica.com

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